Courser 19,818 gold
Lance 3,374 gold
Horseman's Kite Shield 1,978 gold
Cavalry Robe 3,582 gold
In total: ~29 000 gold. Yep, gear for the horseman is so f*** expensive. Average equipment for 2hander costs more or less the same. And take a look at Ujin, Simon Templar, TomMyyY, they don't need tanks and black armour to have KD ratio ~10:1.
All of the people you have mentionned use the heavy lance. Do your homework before wasting time with your incompetent comments.
Ujin, I have never seen without heavy samurai armor, but I am not playing a lot.
The two Templars I have never seen doing anything but killing afk people and hunting peasants, running away from everyone who is a menace to them.
With their playstyle, a mediocre 2h can run around with no armor at all, using 2hsword, katana, nodachi, or long hafted blade, and bring the same or better k d ratios.
I have posted screenshots that prove I had k d of 11 at level 9 using Leather Jacket and Khergit Boots and Nodachi.
Also, why on earth should a footman have better armor than a nobleman? Doesnt make sense.
Bah, one day you dumb people crush my head.